Use this letter to help you negotiate a full and final settlement offer with a creditor. My experiences with settling consumer debts with Zwicker and Associates is mixed.If you haven't already received a retirement estimate, we strongly encourage you get one before you retire. You have 30 days to file an Answer into your debt lawsuit in California, otherwise you run the risk of a default judgment. JANUARY 1, 2013.) PART TWO - FORMS, NOTICES, AFFIDAVITS, AND DECLARATIONS. RULE 20-205 - NOTICE OF REFUSAL TO PROBATE REJECTED WILL OR. Ask your mortgage lender to accept a full and final settlement offer of payment (sole name). The cover sheet must be the first page transmitted.